I owe a loan of 250 thousand and my salary is only 4000. What should I do? Is it just overdue?

Tell me about my experience. I have experienced your current situation, which is the same as my original situation, except that I don't owe so many online loans.

If this happens again, to be honest, I don't know how to deal with it. Just tell me about my business.

Once an honest man, he went into the pit. I think people who want to borrow online loans have similar reasons for borrowing online loans. At first, I didn't borrow much, just two or three thousand dollars, but the cycle was short and the handling fee was high. It's called handling fee, but to put it bluntly, it means interest.

. If you borrow 2500, you will get more than 1300. The cycle is only 7 days, and there are also 5 days and 6 days. I thought it was good when I borrowed it. I think I can definitely pay it back when it is due. Really wait until the day when you pay back the money. If you have no money, you will borrow it from other platforms and owe money to an online lending platform. I need to borrow money from two online lending platforms to pay it back.

If I was short of money, I would tell my family to help me. I am very proud and don't want to tell my family that I tried my best to support my children with loans on the day I started online lending.

Until one day, as you are now, some online loans are overdue immediately and there is no money to pay them back. Some of them are even overdue for a day or two, and they receive a collection call every day, and everyone in the family knows it. There's nothing I can do. Go home and confess to your family, make it clear, and don't leave anything behind. That's what happened. My parents scolded me for a few days. Finally, my family pooled the money to repay the borrowed online loan.

Since then, I have stopped contacting online loans, and now I am trying to make money and save money. Finally, I did some calculations. Finally, I was forced to go ashore, and my family returned about 80,000 to 90,000. Together with my usual salary for nearly a year, the overall calculation is about150 thousand to 60 thousand. Because at the beginning, online loans borrowed thousands of dollars, and finally developed into hundreds of thousands. I regret it. I did everything myself. If I had been short of money and told my family that it would be very busy, I wouldn't be like this. But I don't regret selling medicine. I can only make money to pay off my debts and make my parents live a good life.

This thing of online lending is usury, especially some 7 14 anti-aircraft guns. The interest rate exceeds the annualized interest rate stipulated by the state by dozens or even hundreds of times.

The first thing you need to do now is to stop using loans to support loans, and then make a list of all online lending platforms, check and see which ones are on credit, and try to pay them back first so as not to be overdue. Don't take credit, take your time. If 7 14 anti-aircraft guns are seized, you can collect the evidence yourself and report to the local public security bureau.

I have no money, and I haven't paid it yet. It will be overdue soon. Let's be honest with my family. Don't leave any. Forget it. I'm afraid my family will scold me. If I say half and half, I'll stay half. If I go away for a while, you still can't pay. Tell your family that it is always easier to find a way together than to do it alone. Only in this way will your family be angry, scold you for a few days, and then work hard to earn money to be filial to your parents.

A word of advice, confess to your family quickly and force you to go ashore. Don't be overdue. The online loan is overdue for one day, and the interest is scary.

I wish you an early landing and get rid of online loans!

Hello, I'm Xiao Mei. Let me answer this question.

I owe a loan of almost 300 thousand myself, because I borrowed it to build a house at home. Up to now, the house has been built, but it has not been renovated, and it has to be repaid. Although I paid it back with my husband, his salary was 5000, and I paid 3500. This salary is only my husband's monthly salary, and my salary is only enough for family expenses. But what can I do? Now that it's like this, I'll think of some way to pay it back.

As suggested by a friend, the monthly salary is 4000 yuan. In fact, it can be returned like this: parents can still earn money without marriage and children. You can divide your salary into three parts, one for repayment of online loans, one for daily use and one for emergency use. If you get married and have children, take out the family expenses, and then use the rest to repay the online loan, so that you can pay it back every month. Why is it overdue? In addition, if it is overdue, interest should be charged. If it is overdue for one month, it will be overdue for the second month, so the interest will be a lot. This is not a matter of online loan of 250 thousand, but it may be more, so I suggest my friends divide their monthly salary!

Here are some of my suggestions. If you are not good, you can bring it up. Those who like me can pay attention to comments [shyness].

There are two friends around me who have been troubled by online loans. The last measure they took was to borrow money from relatives and friends to pay off the online loan in one lump sum, and then make money to pay back relatives and friends later. First of all, we must recognize that online lending is basically bottomless and will only bring more and more profits, which we can't afford. A friend of mine didn't borrow much money at first, but later, because he couldn't pay it off, he finally snowballed to hundreds of thousands. Therefore, when you encounter a hot potato like online loan, you must throw it away as soon as possible and sever all relations with it. Secondly, many people may feel that they have done something wrong when they feel that they have not got up yet. They were embarrassed to tell their family and friends, so they quietly stayed in their hearts, but they couldn't solve it and walked into a dead end. In fact, at this time, we must recognize one thing. Family and friends will always be our strongest backing. I may be scolded or something after telling them, but I will definitely help us through the difficulties. Finally, after solving the online loan crisis, you must not touch this thing again, which is harmful and useless. I hope my advice can help you, and I wish you an early release. I also advise netizens not to touch online loans easily.

You owe a loan of 250,000 yuan, and now your monthly salary is 4,000 yuan. You should go to work in a high-paying unit, or quit your job, start your own business, open a snack bar, ask relatives for help, and ask friends for help. You can also go to other units to work at night, and you can earn at least 2000 yuan to tide over the difficulties slowly. Now every family has a burden, and most of them need to repay their loans every month. Take my home as an example. I am a retiree. My son and daughter-in-law bought a house with a loan of 800,000 yuan in 2065438+2006, and paid back 5,000 yuan every month, with a loan of 20 years. Originally, my son had two jobs and earned more than 9000 yuan a month. My daughter-in-law will remember that it is more than 8,000 yuan per month, and her married life is not bad. As a result, after a year, my son lost his job, and now it is 5000 yuan a month, which is considered a high price in Shanghai. Now my monthly retirement salary helps them pay back their loans, 5000 yuan a month. Anyway, I don't need money, I don't smoke, I don't take part in occasional drinking, and I have basically no other expenses. The only hobby is sports, and your health is capital. Take your time. Life is sometimes like a rainy day, and the road is bumpy. Be sure to walk slowly and live slowly, or you will stumble, sometimes it is sunny.

Having a loan of 250 thousand is nothing to most people in debt. Some big brothers owe hundreds of thousands and millions. Therefore, as the first step, we must not have too much psychological pressure, let alone suicidal thoughts. We should dare to face the debt and not evade it, which is the basis for solving the debt problem. The second step is to classify these 250,000 online loans: which are regular online loans and which are overdue for credit reporting at the meeting, such as loans from Alipay, loans from online merchants, micro-loans from Tencent and those from JD.COM. The gold bars of COM are all regular online loans, just like bank credit cards. If the credit is overdue at the meeting, this part of the online loan will be paid off first. What are the illegal usury and routine loans such as 7 14 anti-aircraft guns? These online loans can be slowed down first, not to encourage you not to repay the loans on their platforms. After all, people's platforms are real money, but the interest is high. No matter how threatening the people on the phone, such as exploding the address book, collecting it at home, and suing you in court ... these are not terrible, except exploding the address book. It's really worth the thousands of dollars to collect money at home, not to mention the transportation fee. Even if they come to the door, they are afraid of being besieged and beaten by debtors and their families. Don't lose face because they are afraid of breaking the address book. You can say hello to your relatives and friends in advance and tell them that you have been tricked into borrowing a routine loan. When you receive a harassing call, you will explode the address book and hang up. These usury anti-aircraft gun platforms will call you like a mad dog in the first half of the overdue period, and call your relatives and friends in your address book. You may get dozens of calls a day. Don't be afraid, just answer the phone, don't run away. Just say there is no money to pay back, and the interest is too high. When you put it off for two or three months, the number of calls will be much less. After half a year, some anti-aircraft gun platforms will negotiate with you and repay the principal. In the third step, after classifying online loans, we will know the priorities, which should be returned immediately and which can be temporarily postponed. According to the big data analysis of online loan crowd, at least half or even as high as 70% of these online loans are formal online loans. The so-called formal online loans are those platforms that have payment licenses and are qualified to upload your overdue information to the People's Bank of China's credit information system. Their annual interest rate is between 12-36%, so it is estimated that at least15-200,000 of your 250,000 online loans are regular online loans. It is best not to be overdue, pay off in installments, or settle in advance. You can't repay the loan with so much money at this time. Don't lose face at this time, confess to your family and ask for their help. Step 4: Open source and reduce expenditure, and show hope to your family and friends who lend money. Although your monthly income is only 4,000 yuan now, don't be complacent, but use your brains to make more money, such as taking a part-time job after work, setting up a stall in the night market, working and studying, upgrading your professional skills and seeking career development. At present, your salary is 4000 yuan. Can you find 5000600 yuan to improve your ability? After open source, we should also cut expenditure. Parents often tell us that "diligence is a cash cow and thrift is a cornucopia". In addition to the necessary expenses every month, the rest of the money is used to pay off debts and lend money to your relatives and friends. Last step! The most important step! A very important step! Say the important things three times! ! ! That is, you should clearly know why you borrowed 250 thousand online loans. Bad habits must have caused this situation today. If you spend a lot of money, spend money in advance, eat, drink and be merry, then please get rid of these; If you like gambling and are infected with online gambling, please quit gambling and stop gambling. Otherwise, even if you solve the debt of 250,000 online loans this time and go ashore, you will still repeat the same mistakes and be in debt again. Friends and relatives leave you and dare not be around you. If you have these bad habits, then I want to tell you, young man, fight for breath! ! ! Don't let people around you look down on you! ! ! Hurry up, get ashore as soon as possible [hurry up] [hurry up] [hurry up]

No money can only be overdue. I have eight credit cards with a total debt of 550,000. I rob Peter to pay Paul every month, but I can't get it back.

Minsheng Bank began overdue this month and refused to negotiate. I really don't know what to do next. I'm so tired!

Thank you for inviting me!

The salary is 4 thousand, and the online loan is 250 thousand. It is said that owing money is easier than paying it back. In the face of such great repayment pressure, how should we solve it?

Let's analyze, the salary is 4000, but the debt is 250 thousand. What is the reason?

1 Overconsumption

Excessive consumption is the reason why young people are in debt. They prefer to spend in advance and lack self-control. If the online loan is overdue, not only the interest is good, but also the late payment fee will be generated. The longer you wait, the worse it will be for you!

Usually in stages,

Some online loans can be paid off in installments, but if you pay in installments, the amount will increase for you, and slowly you will find that you can't afford it!

What if the salary is 4 thousand and the online loan is 250 thousand? You can only work part-time and open source, and you can subsidize 12 thousand a month!

Seize the opportunity and face up to the difficulties. Online lending institutions want to get the money back. No matter how capable you are, you can negotiate, only paying back the principal or reducing interest rates. This is much better than bad debts for online lending institutions.

The most important thing is to intercept the river. What should be spent should be saved, and what should not be spent should not be spent!

Some online loans are on credit, some are not, and it is really impossible to exceed them. A buddy owes more than you, a few, three years. At first, there were telephone bombings, friends bombed several times, and there were all kinds of threat messages. Now it has stopped, there are sporadic phone calls, and there is no prosecution. But you have to be prepared. First, friends, relatives and people in the phone book will know that you may not be ashamed, but who do you think will lend you money to pay your bills? No, they are not friends, so don't care about them. Second, the credit investigation will be bad, which will bring inconvenience to your life, but you can't live any longer, and it's nothing inconvenient. Finally, work hard to make money and gradually pay off the account. Dreams have to be rounded by yourself, and you have to rely on yourself, and you will get better gradually.

I owe 250,000 online loans, and my salary is 4,000. If I don't eat or drink, I have to pay it off in six years. This is a problem. If I don't resign, I suggest you find a high-paying unit, otherwise I will be sued for not repaying the loan.

I owe a loan of 250,000 yuan with a monthly salary of 4,000 yuan. First of all, let me talk about it first, that is, whether you owe 200,000 online loans or 250,000 formal platform loans, with your monthly income of 4,000 yuan, you are definitely overdue. So don't think about whether you can still be awake. First of all, you should consider how to increase your income. How's this? That's all, you pay 4000 yuan a month, and it's strange if it's not overdue. First of all, you can tell your family but don't borrow money from relatives and friends. This is unrealistic, so your only way out is to find ways to increase your income and pay back the money slowly. It's not that I can't pay back the money now. You can only put it off first, and then what? I will negotiate with these guys how to pay you back, whether it is online loans or lending institutions. If you want to use the loan to support the loan, you still don't know it for the rest of your life, because their interest is increasing day by day, which means stopping repayment now. The most important thing now is to negotiate repayment with them. If you have the will, you won't pay back much money. Is it that I will pay back the money when I have the ability to guarantee my life, and you just need to do the rest, as expected? The most important thing now is to negotiate repayment with them. There is no repayment if there is a will. If I can guarantee my life, should I pay back the money?